防止支票詐騙
Kate and Carl are friends. Kate is talking to Carl regarding a check issue.
凱特和卡爾是朋友。凱特跟卡爾談到某個支票問題。
Kate: Carl, I cashed a check yesterday, but my account doesn’t reflect the amount. I wonder if the issuer has an insufficient account balance.
凱特：卡爾，我昨天兌現了一張支票，但我的帳戶沒有反映這筆金額入帳。我在想發票人的帳戶是否餘額不足。
reflect(v.)反射、反映、映出、顯示issuer(n.)發票人=payer=drawersufficient(adj.)足夠的、充足的
Carl: It’s probably because their bank hasn’t paid the fund. It takes more than one day for a check to be deposited if it is done through different banks. During the process, the check will show up as uncollected funds before it clears.
卡爾：可能是因為銀行尚未支付這筆款項。不同銀行間辦理支票存款可能需要一天以上的時間。在此期間，那張支票在兌現以前會顯示作未貸記資金。
deposit(n.)(v.)存款、存入
Kate: Sorry, you’ve lost me when you mentioned the process.
凱特：抱歉，我不懂你的意思。
Carl: Basically, uncollected funds are just a way for a bank to tell you that you have received a check, but the funds are not yet available to use.
卡爾：基本上，未貸記資金就是銀行告知你收到了一張支票，但這張支票的款項還不能夠使用。
Kate: Oh I see. Why do banks do that anyway?
凱特：原來如此。為什麼銀行要這麼做呢？
Carl: As for banks, it’s an effective way to manage accounts payable and accounts receivable. Uncollected funds are sums of money that the bank needs to reconcile before releasing the funds to the check recipient.
卡爾：對銀行而言，這可有效地管理應付帳款與應收帳款。未貸記資金的總額在銀行帳目上得是一致的，之後才能撥款給受款人。
accounts payable and accounts receivable 應付帳款與應收帳款reconcile(v.)使一致、調解、調和
Kate: What could happen without this process?
凱特：沒有這個過程會怎麼樣？
Carl: Without it, an issuer could write a bad check payable to themselves, cash it at a different bank and get paid in cash, leaving the bank to absorb the loss. Uncollected funds protect banks from the losses associated with fraudulent check payments.
卡爾：沒有這個過程的話，發票人可能會開立一張不良支票給他們自己，並在另一家銀行兌現支票，然後取得現金，讓銀行去吸收其中的損失。未貸記資金保護銀行免於支票詐騙行為。
absorb(v.)吸收、承擔(成本、費用)be associated with 與~有關fraudulent(adj.)詐騙相關的fraud(n.)詐騙fraudster(n.)詐騙者(犯)
Kate: But doesn’t that mean the payee cannot access the uncollected funds until the check clears?
凱特：但這不也意味著受款人在支票兌現以前都無法取得資金嗎？
payee(n.)受款人=recipient=draweeaccess(n.)(v.)登入或進入(的權限)、取得或使用(某物的權利、機會)
Carl: I’m afraid that is the issue. Since check clearing times vary between banks, several business days may pass before the payee gets access to the funds.
卡爾：恐怕這就是問題所在。由於各家銀行兌現支票的時間都不同，可能要過了好幾個工作天，受款人才拿得到錢。
vary between+複數名詞 =vary from 單數名詞 to 單數名詞